Paid Domestic Referral Terms and Conditions - Referrer - Sept 2025

To receive the referral reward for inviting people to Morse, you need to be a Morse user, who has access to paid referrals. We may offer paid referrals to different groups of users at different times. For example, we may offer them to:

• Users who have recently signed up
• Users who have had a Morse account for a certain amount of time
• Users who live in certain countries
• Users who have done a certain type of transaction recently
• A combination of the above

You can check if you have access in your Morse app, by visiting the Invites screen (in the top right corner of the home page).

How it works

1. Share your referral link with a friend.
2. Your invitee opens the link, enters their phone number, and signs up to Morse, using that same phone number.
3. After they've signed up, send them money using Morse within 14 days of them entering their phone number. There's no minimum amount, but you need to pay them directly via Morse to qualify. Morse Links or stablecoin transfers do not count towards the referral reward.

We'll deposit your referral reward directly in your Morse Wallet! The amount depends on your country, and is randomly allocated based on the following chances:

If you live in Mexico:

Reward	Percentage of users who get that reward
USD 25	1%
USD 10	5%
USD 5	94%

You can receive up to ten referral rewards. After that, you can still refer people, but you won't receive rewards for them. If the person you referred doesn't join Morse or you don't pay them via Morse within 14 days of them entering their phone number, you won't receive the bonus.

Morse reserves the right to modify or end this promotion at any time.